Meet Kristen Carmack From First Citizens Bank!
Kristen is a graduate of UNC Chapel Hill where she received a degree in Economics. She has been in the banking industry for 26 years, at First Citizens since 1999 and a mortgage banker since 2005. Kristen is committed to providing her clients with excellent customer service and to building long term relationships with her clients.

Build your home the easy way with a single mortgage that provides financing during the construction of your home and converts to a permanent mortgage afterwards. When you cover all your costs with a single flexible mortgage, you can worry less about financing and stay focused on building your new home.

Meet Tony Cash From Right By You Mortgage!
I have 20 years’ experience in the mortgage industry. Whether you are purchasing a new home, building your dream home or considering refinancing your existing home, I will work hard to ensure you get the best loan program that meets your short and long term financial goals.

I understand that your loan process is much more than a transaction. This is the biggest financial decision that most people make. So, I’m focused on building lasting relationships where I can be your Loan Officer for life. That’s why I have an experienced, local team behind me to take the stress away from your loan process and help you to focus on what’s really important – that next step for you and your family.

I can offer Conventional, FHA, VA, USDA, Jumbo and Construction Financing options.